Terms & Conditions

1. Agreement to Terms

By accessing and using InsureMedy's website and services, you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to abide by the above, please do not use this service.

InsureMedy provides Medicare insurance advisory services to help individuals find appropriate Medicare coverage. We act as an independent insurance agent and work with multiple insurance carriers to provide you with personalized plan options.

2. Use License

This is the grant of a license, not a transfer of title, and under this license you may not:

• Modify or copy the materials
• Use the materials for any commercial purpose or for any public display
• Attempt to reverse engineer any software contained on InsureMedy's website
• Remove any copyright or other proprietary notations from the materials
• Transfer the materials to another person or "mirror" the materials on any other server

This license shall automatically terminate if you violate any of these restrictions and may be terminated by InsureMedy at any time.

3. Services and Disclaimer

Nature of Services

InsureMedy provides educational information and advisory services related to Medicare insurance plans. We help you compare available Medicare options and assist with enrollment, but we do not provide legal, financial, or medical advice.

No Guarantee of Specific Results

While we strive to help you find the best Medicare coverage for your needs, we cannot guarantee specific outcomes, cost savings, or that any particular insurance carrier will accept your enrollment application.

4. Eligibility and Enrollment

To use our services and enroll in Medicare plans, you must:

1. Be eligible for Medicare based on age (65 or older) or qualifying disability status
2. Be a U.S. citizen or lawful permanent resident
3. Provide accurate and complete information during the enrollment process
4. Have the legal capacity to enter into binding contracts

You are responsible for ensuring that all information you provide is accurate, current, and complete. Providing false or misleading information may result in denial of coverage or termination of services.

5. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms and Conditions by reference. By using our services, you consent to the collection, use, and sharing of your information as described in our Privacy Policy.

We implement appropriate security measures to protect your personal and health information in accordance with applicable laws, including HIPAA (Health Insurance Portability and Accountability Act) where applicable.

6. User Responsibilities

When using our services, you agree to:

• Provide accurate, current, and complete information about yourself and your healthcare needs
• Maintain the security and confidentiality of your account credentials
• Notify us immediately of any unauthorized use of your account
• Review all plan materials and documentation before making enrollment decisions
• Comply with all applicable federal and state laws and regulations
• Not use our services for any unlawful purpose or to violate any laws

7. Compensation and Fees

InsureMedy's services are provided to you at no cost. We are compensated by insurance companies when you enroll in a Medicare plan through our services. This compensation does not affect the cost of your insurance premium or the benefits you receive.

The compensation we receive may vary depending on the insurance carrier and plan type. Our recommendations are based on your individual needs and circumstances, not on the compensation we receive.

8. Limitation of Liability

To the fullest extent permitted by applicable law, InsureMedy shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

• Your use or inability to use our services
• Any unauthorized access to or use of our servers and any personal information stored therein
• Any interruption or cessation of transmission to or from our services
• Any bugs, viruses, trojan horses, or the like that may be transmitted through our services
• Any errors or omissions in any content or for any loss or damage incurred as a result of your use of any content posted, emailed, transmitted, or otherwise made available through the services

9. Indemnification

You agree to defend, indemnify, and hold harmless InsureMedy, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorney's fees and costs, arising out of or in any way connected with:

• Your access to or use of our services
• Your violation of these Terms and Conditions
• Your violation of any third-party right, including any intellectual property right or privacy right
• Any information you provide through our services

10. Changes to Terms

InsureMedy reserves the right to modify these Terms and Conditions at any time. We will notify users of any material changes by posting the updated terms on our website and updating the "Last Updated" date. Your continued use of our services after such modifications constitutes your acceptance of the updated terms.

We encourage you to review these Terms and Conditions periodically to stay informed about our practices and your rights and obligations.

11. Termination

We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including if you breach these Terms and Conditions. Upon termination, your right to use our services will immediately cease.

You may terminate your use of our services at any time by contacting us. However, termination of our services does not affect any insurance policies you have enrolled in through our platform.

12. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict of law provisions. Any disputes arising from these terms shall be resolved in the courts of New Jersey.

13. Contact Information

If you have any questions about these Terms and Conditions, please contact us:

• Phone: +1 (908) 264-3114
• Email: [email protected]
• Address: 20 Commerce Drive Cranford NJ 07016